Description: Presented at October 1986 Annual Meeting. This session discussion is about interest-sensitive products and methods of arriving at current rates, current regulatory restraints on illustrative rates, illustrations of vanishing premium products, advantages of deferring taxes on inside build-up, trends toward emphasis on marketing of financial services and buy term and invest the difference.

Description: Presented at October 1986 Annual Meeting. This session discussion is about the impact of the AIDS epidemic, legal challenges to risk classification practices, impact on practices resulting from these challenges and from trends in areas such as preferred risks and guaranteed issues, possible future developments in underwriting and risk classification and how they may impact product design and marketing.

Description: This discussion looks at steps insurance companies take to regain a greater share of the available savings dollars, developing trends toward a separation of the insurance and investment elements of life insurance contracts, as wells a the feasibility to make endowment and other investment-type contracts more attractive by reduction or redistribution of first year expenses.

Description: The article talks about market consistent pricing, how risk neutral pricing and real world pricing are not fundamentally different if used appropriately. And using that knowledge, a rather new concept called the risk-adjusted real world pricing, which is a method where a mixture of risk neutral and real world pricing to achieve a holistic view on pricing, will be introduced.

Description: Life Insurers have fallen behind the customer service curve and service expectations of younger customers. This article suggests changes for correcting this.

Description: Updating relevancy of accidental death insurance for seniors

Description: Discussion of LTC insurance product developments being spurred by recent demographic and regulatory trends, especially combination products such as LTC benefits with disability income, annuities, and life insurance. Several viable product styles are considered, along with the pros and cons of each.

Description: Presented at October 1986 Annual Meeting. This session discussion is about recent trends in direct response marketing. This discussion will be led by two prominent direct response marketing professionals. Their initial remarks will provide a contrast of the growth strategies of a large established direct response company with those of a smaller, more recent entrant into this increasingly competitive market.

Description: Presented at May 1996 Spring Meeting. Discusses how marketers are pushing the distribution frontiers of insurance and financial services: technology utilized, what is successful, product and service implications.

Description: Article Nathaniel Ingersoll Bowditch by Bartlett in The Actuary, June 1979, Volume 13, Number 6